721 Gerling St, Schenectady, NY 12308 Property Records

Schenectady County and Schenectady City property record for 721 Gerling St, Schenectady, NY 12308

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,849 sqft · built 1923
Lot Size	0.138 acres (6,050 sqft)
Owner	2 Individual Names on Record
Last Sale	$78,500 (Aug 2005)
Tax Bill	$3,333 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`421500 39.36-1-13`

Property Details

APN / Parcel Number

Primary APN	`421500 39.36-1-13`
Alternative APN	`150003903600010130000000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,849 sqft Living Area
1st Floor Area	1,196 sqft
2nd Floor Area	653 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	6,050 sqft (0.138 acres)
Lot Dimensions	121 ft deep x 50 ft wide
Porch	Slab
Porch Area	154 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	721 GERLING ST
City	SCHENECTADY
State	NY
Zip	12308-1201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	27 28 29 P/O EA 2 WOOD
Legal Block	1
Legal Lot Number	13.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2018
Census Tract	20102

Owner

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	721 GERLING ST, SCHENECTADY, NY 12308-1201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Apr 20, 2018	Loan Modification, Mortgage · Conventional with PMI WFB NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2005 · Amount on Record
Deed Sale	Aug 23, 2005 · Amount on Record
Prior Sale	Aug 6, 1999 · Amount on Record
Deed Book / Page	1713 / 618
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 31, 2026
Property Address	721 GERLING ST, SCHENECTADY, NY 12308-1201
Document Number	0000017196
Instrument Date	Jul 24, 2026
Instrument	202617196
Transaction Type	Mortgage
Record Updated	Aug 10, 2026
Title Company	ROCKET TITLE GROUP LLC, ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 GERLING ST, SCHENECTADY, NY 12308-1201

Mortgage

Document Number	0000017196,
Date	Jul 31, 2026
Instrument	202617196

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	721 GERLING ST, SCHENECTADY, NY 12308-1201
Document Number	0000021098
Instrument Date	Apr 20, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 GERLING ST SCHENECTADY NY 123081201, SCHENECTADY, NY 12308-1201

Mortgage

Document Number	0000021098
Date	May 17, 2018
Book Page	004837/000655
Instrument	21098

Lender

Name	WFB NA
Address	FORT MILL, SC 29715

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 16, 2048

Interest

Rate	4.12%

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,333.00 (+8.25%) Homeowner's exemption Senior Citizen's exemption
2025	$3,079.00 (-13.12%)	$80,800 (-) Land $12,100 Building $68,700	$133,797 (+30.82%) Land $20,036 Building $113,761
2023		$80,800 (-) Land $12,100 Building $68,700	$102,278 (+3.8%) Land $15,316 Building $86,962
2022		$80,800 Land $12,100 Building $68,700	$98,537 Land $14,756 Building $83,781
2021	$3,544.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2008–2026)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2026 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070
Water Source	Groundwater
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 512 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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